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Fannie Mae, Freddie Mac Recognize Crypto in Mortgage Assessments

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crypto in mortgage assessments
Key Points:

  • Main event: Inclusion of crypto assets in mortgage risk assessment.
  • Fannie Mae and Freddie Mac to adjust policies.
  • Shift influenced by FHFA’s crypto-friendly stance.

fannie-mae-freddie-mac-recognize-crypto-in-mortgage-assessments
Fannie Mae, Freddie Mac Recognize Crypto in Mortgage Assessments

Fannie Mae and Freddie Mac, under the directive of the FHFA, will include cryptocurrency holdings in mortgage risk assessments as of June 2025.

This policy shift highlights the increasing integration of cryptocurrency into traditional financial systems, as shown by Fannie Mae and Freddie Mac Include Crypto Holdings in Mortgage Assessments new criteria.


Under FHFA Director William J. Pulte’s orders, Fannie Mae and Freddie Mac are adapting to consider cryptocurrency holdings regulated by US exchanges. This marks a significant change from traditional asset assessments and reflects evolving financial norms.

“After significant studying, and in keeping with President Trump’s vision to make the United States the crypto capital of the world, today I ordered the Great Fannie Mae and Freddie Mac to prepare their businesses to count cryptocurrency as an asset for a mortgage” — William J. Pulte, Director, FHFA.

Director Pulte, an advocate for crypto, initiated this shift, aiming to broaden credit opportunities. BTC, ETH, and SOL, among others, now count as assets for mortgage risk. This influences how borrowers’ creditworthiness is evaluated.

Immediate effects include a broadened asset pool for borrowers. Crypto’s recognition in mortgage risk assessments could encourage wider crypto adoption, linking digital assets closer to traditional financing.

This directive may increase regulatory scrutiny, but also promises greater market liquidity. Centralized exchange listings become vital for crypto’s mortgage relevance. Observers await further tests of this integration’s financial impact.

Implementation could incentivize high-net-worth individuals to move assets into US exchanges, focusing on compliance. Cryptocurrency’s adoption in traditional finance continues to evolve, setting new precedents for asset recognition in major markets.

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